Take Control of Your Real Estate Financing
This is the exact funding solution for investors, developers, and business owners who can't afford to wait for financing on their next deal in 2025
never say no to a good deal again... get quick capital even if you're maxed out with traditional banks
specialist in commercial real estate investments
Expertise in Commercial Investing when not all deals can get funded.
Not because they aren’t good deals but because traditional banks can’t sign off on them.
Rich realized he needed to find alternative ways to get good deals on the table and access to capital they need to grow.
With 30 years of experience in real estate lending.
My focus is commercial real estate and business funding. We both know this is where the real action is.
GET THE CAPITAL YOU NEED... EACH DEAL STANDS ON IT'S OWN MERIT
Unlock ACCESS TO Smarter & faster Financing for Commercial Real Estate deals
Close Deals Faster based on the quality of the deal...
NOT ON PERSONAL STATUS Don’t let financing delays cost you valuable opportunities. Close on properties and investments quickly. Our streamlined application process allows for quick approvals. This means you can act fast on investment opportunities without the long wait.
Expertise in funding commercial Real Estate properties
This is what you don't have to miss out on and stopping you from doing your next deal. Our team consists of professionals with extensive experience in real estate investing. We understand the market and can provide insights and guidance to help you make informed decisions.
Don’t Let Financing Hold You Back
Using our funding approach ... Let's you close more deals which will lead to unlocking the capital you need to refinance, stabilize, or scale your commercial real estate ventures. Stop Bleeding Cash. Start Building Wealth. Every dollar you overpay on your current loan is a dollar that could fuel your growth. The market is shifting, and refinancing isn’t optional; it’s a strategy
Services Available
Commercial real estate investors need funding fast to capitalize on resourceful financing alternatives.
Before we dive deeper into the solutions, let’s take a moment to reflect on what you might be missing out on by sticking with traditional financing.
Bridge Loans
We specialize in providing fast, flexible funding options tailored for real estate investors, entrepreneurs, and business owners.
Our bridge loans and hard money solutions are designed to help you:Get the funds you need to act quickly on lucrative deals.
Overcome Financial Hurdles Access capital without the red tape of traditional banks.
Grow your business & invest in your future with confidence, knowing you have the financial support you need.
New Construction
Fast-Track Financing for Builders. If securing financing has been a barrier in your past projects, then our tailored funding solutions will help you get started quickly—without the typical delays.
If unexpected costs are a concern during construction, then we provide flexible financing with built-in contingencies, giving you confidence and minimizing risks along the way.
Short Term Solutions
Gain access to fast, flexible funding options tailored to help you scale, stabilize, or seize new opportunities in your commercial real estate journey.
Solve today’s challenges without compromising tomorrow’s growth.
Get funding on your terms, when you need it most.
Our streamlined application process allows for quick approvals, often within 1 to 2 days. This means you can act fast on investment opportunities without the long wait.
Bridge Loans
We specialize in providing fast, flexible funding options tailored for real estate investors, entrepreneurs, and business owners.
Our bridge loans and hard money solutions are designed to help you:Get the funds you need to act quickly on lucrative deals.
Overcome Financial Hurdles Access capital without the red tape of traditional banks.
Grow your business & invest in your future with confidence, knowing you have the financial support you need.
New Construction
Fast-Track Financing for Builders. If securing financing has been a barrier in your past projects, then our tailored funding solutions will help you get started quickly—without the typical delays.
If unexpected costs are a concern during construction, then we provide flexible financing with built-in contingencies, giving you confidence and minimizing risks along the way.
Short Term Solutions
Gain access to fast, flexible funding options tailored to help you scale, stabilize, or seize new opportunities in your commercial real estate journey.
Solve today’s challenges without compromising tomorrow’s growth.
Get funding on your terms, when you need it most.
Our streamlined application process allows for quick approvals, often within 1 to 2 days. This means you can act fast on investment opportunities without the long wait.
what you don't have to miss out on by closing your next deal with east coast commercial...
What if you could experience the following things in your investment portfolio?
Using our funding approach to your deals lets you close more deals without ever having to pass on a good opportunity…
Things like…
The Potential for High Returns:
- Rental Income: Commercial properties generate consistent rental income streams, often with built-in rent escalations, providing a stable and predictable cash flow. This can be particularly attractive for investors seeking passive income or those nearing retirement.
- Property Appreciation: Over time, commercial real estate properties have the potential to appreciate, allowing investors to build equity and realize significant gains when they sell. Market demand, location improvements, and property renovations can drive this appreciation.
- Leverage: Commercial real estate investors often use leverage (i.e., borrowing money) to purchase properties, amplifying their potential returns. This allows them to control a larger asset with a smaller upfront investment.
- Diversification:
- Uncorrelated Asset Class: Commercial real estate’s performance is not directly tied to the stock market, meaning it can act as a hedge against market volatility. This can help investors reduce overall portfolio risk and achieve more consistent returns.
- Tangible Asset: Unlike stocks and bonds, commercial real estate is a tangible asset with intrinsic value. This can provide investors a sense of security and stability, especially during economic uncertainty.
- Inflation Hedge: Commercial real estate rents and property values tend to rise with inflation, making it a potential hedge against rising prices. This can help investors preserve their purchasing power over time.
- Tax Advantages: (Please Seek Professional Guidance from a Certified Public Accountant)
- Depreciation: Commercial real estate investors can deduct a portion of the property’s cost over its useful life, reducing their taxable income. This can result in significant tax savings, especially in the early years of ownership.
- 1031 Exchange: Investors can defer capital gains taxes by exchanging one investment property for another like-kind. This allows them to reinvest their profits and continue building wealth without incurring an immediate tax liability.
- Pass-Through Deduction: Certain commercial real estate investments qualify for a pass-through deduction, allowing investors to deduct a portion of their rental income on their personal tax returns. This can further reduce their tax burden.
Additional Extras to Enjoy…
- Control: Commercial real estate investors have more control over their investments than they do with stocks or bonds. They can make decisions about property management, tenant selection, and renovations, potentially increasing their returns.
- Pride of Ownership: Owning a commercial property can provide a sense of accomplishment and pride for investors. It can also be a legacy asset that can be passed down to future generations.
Take Control of Your Commercial Real Estate Financing
Refinance, Bridge the Gap, or Secure Short-Term Solutions—Without the Headaches or Delays.
never say no to a deal again... you will get the financial breathing room to grow your portfolio, improve property value, or take the next big leap in your business.
The hardest thing about being a real estate investor isn’t finding the real estate, it’s when you pour a cup of coffee at the buttcrack of dawn before the competition is even awake…
… You pour over deal after deal, run the numbers, and separate the winners from the losers…
… Then you do the market analysis and the deal comes to life, except there’s a huge problem…
… How to finance the deal?…
… You don’t have enough cash to purchase outright…
Trying to force the numbers to work, crafting alternate creative financing scenarios,
so you grab another coffee, pop in some tunes to get the mind in the mood…
But nothing is working…
Creating even more resistance.
And the reason I know and can tell you that is because that’s what happened to me for years…
It would take 2 to 3 months to close a deal, before even starting repairs, to try to increase value…
These days we cut the timeline by at least a month…
so we can rehab, do deferred maintenance, and maximize current market rental rates…
… What changed?
It’s not what you think…
Here’s my real estate investing story.
Back in the good old days if you could fog up a mirror you could get commercial real estate properties financed easily.
Now, though as we both know traditional lenders want everything including your dogs middle name…
Financing investment properties has became more difficult, with lenghty delays, document intensive requests, and quite large down payment requirements…
Leading to lost deals, massive capital outlays, and frustration at every turn.
Having missed out because of the stricter requirements I finally gave up on chasing commercial real estate investment career…
Sold my portfolio, and persued a totally different aspect of real estate investing.
That’s when I met Rich Setteducati…
Rich has over 30 years of real estate financing experience… I’ll give you more details in a minute.
Experience, relationships, and creative options provide investors with the flexibility to secure bigger more lucretive deals.
The BRRRR Method fits into any investor’s overall growth strategy… which stands for…
BUY… Purchase a property with growth potential…
REHAB… Make repairs, fresh paint, modernize systems… This will force appreciationRENT… Generate passive income @ market rates…REFINANCE… East Coast Commercial will refinance based on market value…REPEAT… Having access to capital you will be able to do it again…
It is the same exact strategy used by billionaires’ in debt…
Frequently Asked Questions About Commercial Real Estate Lending
Understanding the Pro’s & Con’s of Commercial Lending
Why Should I Choose a Commercial Lender Instead of a Traditional Bank
Pros:
✅ Speed: Hard money lenders can approve and fund loans in as little as a few days, while banks often take 30 to 90 days to process commercial real estate loans.
✅ Flexible Qualification Requirements: Hard money loans focus primarily on the value of the property rather than personal credit, income history, or debt-to-income ratio.
✅ Tailored Loan Terms: Traditional banks have rigid loan structures, whereas hard money lenders can structure deals based on your unique investment strategy.
Cons:
⚠️ Higher Interest Rates: Hard money loans typically have rates between 8%–15%, compared to 4%–7% for bank loans.
⚠️ Shorter Terms: These loans generally last 6–24 months, meaning you must have a solid exit strategy (such as refinancing or selling the property).
⚠️ Higher Down Payment Requirements: Many lenders require 20%–30% down to protect their investment.
Investor Objection:
“I don’t want to pay such high interest rates. Why would I take a loan that’s more expensive?”
Response:
It’s true that hard money loans come with higher interest rates, but they are not designed to be long-term financing. Instead, they serve as short-term tools to help you secure properties quickly, finance renovations, or cover time-sensitive opportunities when traditional financing is too slow or unavailable.
A higher interest rate for a short period is often a small price to pay and the cost of doing business if it means locking in a profitable deal that would otherwise be lost. Many successful investors use hard money loans to acquire properties at a discount, improve them, and then refinance into a lower-rate loan once the property’s value has increased.
What Are the Risks of Using a Bridge Loan?
Pros:
✅ Fast Access to Capital: Bridge loans provide immediate funding, helping you close deals while waiting for permanent financing.
✅ Allows You to Secure Properties Quickly: In competitive markets, you can’t afford to wait for a slow bank approval. A bridge loan ensures you can act fast.
✅ Short-Term Commitment: Unlike long-term loans that lock you in for years, a bridge loan is designed to be paid off within 6–36 months, giving you flexibility.
Cons:
⚠️ Higher Interest Rates and Fees: Bridge loans are more expensive than traditional financing, with rates typically between 7%–12% and origination fees of 1%–3%.
⚠️ Requires a Clear Exit Strategy: You must have a plan to refinance or sell before the loan term expires to avoid financial strain.
⚠️ Market Fluctuations Can Impact Refinancing: If the real estate market shifts, securing permanent financing may become more challenging.
Investor Objection:
“What if I can’t secure permanent financing before the bridge loan term ends?”
Response:
A bridge loan is not meant to be a long-term financial solution. That’s why having multiple exit strategies is essential. If your primary plan is to refinance, you should already be in talks with long-term lenders before taking out a bridge loan.
Other exit strategies include:
Selling the property if refinancing isn’t an option.
Partnering with an investor to bring in capital and extend your financial runway.
Using a portfolio loan to consolidate multiple investments into long-term financing.
The key is preparation—work with lenders who understand your goals and timeline so that you’re never left scrambling when your bridge loan matures.
Are Short Term Loans Only for Distressed Properties?
Absolutely not. While fix-and-flip investors use short term financing loans frequently, these loans can also be used for:
✔️ Commercial property acquisitions when bank financing is delayed.
✔️ Short-term cash flow solutions for rental property stabilization.
✔️ Value-add investments where improvements increase a property’s worth.
✔️ Construction financing for ground-up developments.
Short term financing loans typicall 6 to 15 months are not just for distressed properties—they are a tool for any investor looking to move quickly and efficiently in the market.
What's the Difference Between a Bridge Loan and a Short Term Investor Loan?
Bridge Loans:
Used to cover short-term financing gaps.
Typically backed by institutional lenders.
Often lower interest rates than hard money loans.
Short Term Investor Loans:
Funded by private lenders, focusing on property value over borrower credit.
Used for higher-risk, value-add investments.
Higher rates, but more flexibility and faster funding.
Investor Objection:
“Aren’t they basically the same thing?”
Response:
Not quite. While both are short-term financing options, bridge loans are typically used for stabilizing an investment while waiting for long-term financing, whereas hard money loans are more flexible for unconventional deals that banks won’t touch.
What Are the Fees Associated with Short Term Investor Loans?
Understanding the Costs…
Short term loans provide speed and accessibility but come with higher costs than traditional financing. Common fees include:
📌 Origination Fees (Points): 2–4% of the total loan amount.
📌 Processing & Underwriting Fees: $500–$3,000.
📌 Interest Rates: Typically 8%–15%, depending on the risk level.
📌 Prepayment Penalties: Some lenders charge fees for repaying early.
Investor Objection:
“Why are the fees so high compared to a bank loan?”
Short term lenders operate outside traditional banking regulations, allowing for faster approvals and higher-risk lending. The fees compensate for the risk lenders take on and the speed at which they fund deals. Many investors find that securing a property quickly at a good price far outweighs the cost of the loan.
Can I Get a Loan If I Have Limited Experience in Real Estate Investing?
Traditional banks often reject inexperienced investors because they view them as higher risk. Many commercial lenders prefer borrowers with a proven track record of successfully managing properties or completing real estate deals.
While experience helps, it’s not a deal-breaker with the right lender. Many private lenders, especially in hard money and bridge lending, focus more on the property’s value and exit strategy than your personal experience. If your deal makes financial sense and you can present a clear repayment plan, you can still secure funding—even as a first-time investor.
✅ Work with a lender who prioritizes asset value over experience.
✅ Partner with an experienced investor to strengthen your application.
✅ Ensure your exit strategy is solid—whether it’s selling, refinancing, or leasing.
Why Are Some Lenders Willing to Lend on High-Risk Deals?
Unlike banks, which rely on rigid underwriting guidelines and borrower creditworthiness, hard money lenders base decisions on the asset itself. They calculate risk differently, focusing on loan-to-value (LTV) ratios, property potential, and collateral strength rather than just credit scores or financial history.
Lenders mitigate risk by:
✅ Requiring a lower loan-to-value (LTV) ratio, ensuring the deal has built-in equity.
✅ Charging higher interest rates, compensating for the increased risk.
✅ Using property as collateral, allowing them to recover their investment if necessary.
This is why short term financing is ideal for investors who need fast funding for undervalued or distressed properties.
How Do I Know if Short Term Financing or Bridge Loan is Right for Me?
Use Short term investor loan ( often called hard money loans) if you need fast, flexible financing for an investment property that needs value-add improvements.
Use a Bridge Loan if you need temporary funding while securing long-term financing.
Investor Objection:
“I’m still not sure which loan is the best fit.”
Response:
That’s where we come in. Our team specializes in matching investors with the right financing solutions. Contact us today for a consultation, and we’ll help you determine the best loan for your next deal.
Don’t Let Financing Hold You Back
Unlock the capital you need to refinance, stabilize, or scale your commercial real estate ventures.
Disclaimer
The information provided on this website is for informational purposes only and does not constitute an offer, endorsement, or recommendation for any commercial real estate lending products or services. All loans are subject to approval and specific terms and conditions. The content provided here is not intended to be, nor should it be construed as, financial advice. Borrowers should consult with a qualified financial advisor or legal professional before making any financial decisions. This website and its contents are fully compliant with applicable federal and state mortgage lending regulations. All financing is subject to underwriting guidelines, eligibility requirements, and credit approval. Interest rates, fees, and terms are subject to change without notice. We make no representations or warranties regarding the accuracy, reliability, or completeness of the information presented on this site. You should independently verify any information before relying on it. The use of this website does not create a lender-borrower relationship.